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Jonathan G. Harris
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Ryan: If they are unavoidable, then what happens when the payday lenders are shutdown?
Of those that default--what fraction ultimately resume repayment? Large loan balances are more likely to be owed for expensive professional degrees, such MDs, which enable the individual to earn substantial income. In determining whether or not to deny loans based on certain criteria--e.g. need for remedial coursework, ex prisoners, one should also consider whether there are a large number or even a majority who benefit from the loans but do not default.
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Feb 24, 2015